A recent survey reveals that nearly 1 in 4 Americans has no emergency savings, and more than a third had to tap into their savings just to get through the past year. Even more sobering, Bankrate reports that only 46% of U.S. adults have enough savings to cover three months of expenses, while 33% have more credit card debt than they do in emergency savings. The numbers are alarming, but they don’t have to define your future. On today's Faith & Finance on AFR, Rob West tells how you can take real, practical steps toward financial stability— enough to cover your bills, handle emergencies, and build a nest egg for the future— all by following biblical principles. Then Rob answers a few financial questions.